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Learn what is a payday advance, how to get an advance money using payday advance and get an early paycheck.
Payday loans or a payday advance (you may know it by different name as it is also called a salary loan, money advance, payroll loan, small dollar loan, short term, or cash advance loan) is a small, short-term unsecured loan, "regardless of whether repayment of loans is linked to a borrower's payday." The loans are also sometimes referred to as cash advances. Payday advance loans rely on the consumer having previous payroll and employment records.
To prevent usury (unreasonable and excessive rates of interest), some jurisdictions limit the annual percentage rate.
There are many different ways to calculate annual percentage rate of a payday loan. Depending on which method is used, the rate calculated may differ dramatically
Although some have noted that these loans appear to carry substantial risk to the lender, it has been shown that these loans carry no more long term risk for the lender than other forms of credit. These studies seem to be confirmed by the United States Securities and Exchange Commission filings of at least one lender, who notes a charge-off rate of 3.2%
